Not sure what to do

I have a question.....I disputed an account that shows up on on all three of my credit reports and it came back verified from all of them, I then sent out a demand for validation to CA at the end of july, no response, so I disputed again with the CRA's AGAIN it came back verified, My question is this...Should I send out another demand for validation letter to CA or should I send something a little stronger like ITS? What is the best way to handle this? Thanks for any advice.

Send the Estoppel letter then if they don't respond send the ITS. I have gone straight to the ITS a few times and sometimes it works and sometimes it don't. If you are going to sue then you need to send Estoppel first to establish a paper trail.

I would also request procedure from the CRA or dispute again if they let you.

That's what I'm working toward. None of his (my fiance) are very much money - $96 here, $71 there, $208 on one, just one real baddie - $3850 for a trade school - past SOL, though. Just too many collection accounts for the mortgage company - they don't really seem to care about the amounts, just the number of them.

Hell, before I found this board, I was planning on paying most of them off! Glad I found this board before I did anything about that!

Fiance just went through a nasty divorce and one I'm trying to get rid of is a voluntary surrunder (his ex's car, joint with her) - 1 year to SOL on that one - it's the only one that makes me nervous about opening a can of worms.

I really wish I would've gotten a score before I started so I could compare since I've gotten so many off already. TU took off 11 derogs in the first month I disputed. Equifax took off 8, Experian (stubborn b@st@rds) have only removed 4 or 5.

I pulled the free score from Eloan.com a few weeks ago and it was 563 - don't know what it is now, but don't want to pay to pull scores again until I get a little further in the process.

so I disputed again with the CRA's AGAIN it came back verified
tryinhard
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The CA violated here by verfiying without validation first.1000 bucks,
Now on with estoppel.
THE END ** *** ** LB 59
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